New York State Mandated Short Term Disability Insurance
The New York Disability Benefits Law requires all employees working in New York
(except for government employees and certain tax-exempt organizations) to participate
in a state approved short term disability income replacement plan.
New York employers may satisfy this state mandate to make short term disability
insurance coverage available to their employees in one of two ways:

1. Use an insurance company to provide the disability insurance coverage to their
2. Establish a "Private", self-insured disability benefits law plan
If an employer chooses to have their employees participate in an insured plan, the insured
plan must offer at least the minimum benefits dictated by the New York Disability
Benefits Law. Employees must pay the required contributions to the plan
(unless the employer assumes that obligation) and also pay
any additional insurance premium that may be required by
the insurance company to pay for incurred claims expenses
or insurance company administration costs.
The IRS has ruled the employer contributions to the state
plan or to a private (self-insured) plan are deductible by
the employer and considered taxable income to the
employee. Employee contributions to the State Fund are
deductible as state taxes, while contributions to a private
plan are treated as non-deductible personal expenses.
NY Disability Benefits Law Plan Costs
The employee contribution rate is 0.5% of the first
$120.00 of weekly wage up to a maximum of $.60 per
week or $31.20 per year. The employer contributes the
remainder of plan costs, if any cost remain.
NY Disability Benefits
Benefits are paid weekly to the employee and are equal to
50% of the average weekly wage of the employee over
the last 4 weeks prior to the disability. However, the
maximum weekly benefit is $170. Benefits become
payable on the 8th consecutive day of disability and
continue for up to 26 weeks. The maximum benefit of 26
weeks is either per disability or during any consecutive
period of 52 weeks. Benefits are partially taxable and
depend on the ratio of employer / employee contributions.
Self-Insured Private Disability Benefits Law Plan
1. The employer plan must offer benefits at least equal to the state mandated
disability benefits law.

2.The employer can charge the employees the same or less than the state
mandated disability benefits law mandated contribution level. Employees can
not be charged more unless there have been improvements in coverage.

3. The employer must agree to cover the balance of the state mandated
disability benefits law level of plan costs that are in excess of employee

4. The employer must agree to provide a guarantee bond, if required by the

5. The employer must agree to pay all obligations, including benefits, fines,
expenses, and assessments imposed pursuant to the state mandated disability
benefits law.
Click on the link below to fill out a quote request form for an employee benefit
disability insurance plan that regardless of whether you're a large employer or a
small business, will provide excellent disability insurance coverage at an
affordable cost for your New York businesses most important assets, your
employees. Or speak with our NY Group Disability Insurance agent specialist
toll free at 1-800-498-1819 to discuss the policy features in more detail.
We offer affordable New York group employee short term disability insurance plan services to
businesses in the following New York counties and cities: Westchester County, Putnam
County, Orange County, Rockland County, Port Chester, Harrison, Mamaroneck, Larchmont,
New Rochelle, Yonkers, White Plains, Rye Brook, Scarsdale, Rye, Ardsley, Hartsdale, Bronxville,
Mt. Vernon, Mount Vernon, Irvington, Valhalla, Elmsford, Dobbs Ferry, Hastings on Hudson,
Greenburgh, Tarrytown, Sleepy Hollow, Hawthorne, Scarborough, Thornwood, Briarcliff Manor,
Ossining, Harmon, Montrose, Crugers, Buchanan, Peekskill, Millwood, Pleasantville, Armonk,
Chappaqua, North Castle, Mt. Kisco, Bedford, Pound Ridge, Bedford Hills, Cross River, South
Salem, Yorktown Heights, Goldens Bridge, Amawalk, Yorktown, Katonah, Salem Center, Somers,
North Salem, Croton Falls, Jefferson Valley, Shrub Oak, Palisades, Sparkill, Tappan, Orangeburg,
Pearl River, West Nyack, New City, Nanuet, Chestnut Ridge, Montebello, Suffern, Monsey,
Spring Valley, Congers, Nyack, Rockland Lake, Wesley Hills, New Hempstead, Pomona,
Sloatsburg, Ramapo, Hilburn, Willow Grove, Mt. Ivy, Thiells, Tomkins Cove, Ladentown,
Haverstraw, Stony Point, Tomkins Cove, West Haverstraw, Bear Mountain, Jones Point,
Newburgh, Middletown, New York City, Brewster, and Poughkeepsie, NY.
New York Group Disability Insurance
Copyright 2004-2017 Direct Access Group Benefits, Inc. - All rights reserved
Request a Quote Here!
Answer a few questions and
we will provide you with a no
obligation to buy quote by
phone or email. Choose the
NY, CT, or NJ personal or
group insurance coverage
you're interested in from one
of the menus above.
"Your Local New York Group Disability Insurance Specialist!"
Employee Benefits
Personal Insurance
"Over 20 Years
of Professional
Insurance Service"
Direct Access
Group Benefits, Inc.
189 Route 100, PO Box 590
Somers, New York 10589
Westchester County, NY
Toll Free: 1-800-498-1819
(914) 276-6000
Fax: (914) 401-9319
"Your Westchester County
Small Business Employee
Health Insurance Agent"
In NY, NJ, or CT call 1-800-498-1819
Group Short Term
Disability Insurance
Group Long Term
Disability Insurance
Website Template Design by